The cloud-based SaaS system provides financial service providers and their clients with clearly presented data that looks at past and present company performance, as well as to the future with predictive analytics. Designed with a mobile workforce in mind, the secure platform allows users to access their analytics reports wherever they are in the world, from a range of mobile devices.
Morality bank in China rewards do-gooders. We recently saw a Swedish social platform that tracks users’ behaviors and translates their good deeds into a kindness score.

Have Irregular Income? Use This App To Smooth Out The Highs And Lows. These days, many Americans live in a perpetual state of financial insecurity, either because they don't have enough money or don't have the regular income to plan ahead.

Roughly half the population doesn't have resources to cover an emergency (defined as having about $6,000 in spare income). And about one in three people now freelance in one form or another, which means dealing with the curse of "feast or famine.
" Some months, they make plenty to cover their needs; other times, they're barely scraping by. It's this irregular income issue that Jon Schlossberg and the team at Even are trying to address. Their app helps people smooth out the highs and lows in their income and offers an alternative to punitive forms of personal finance, like payday lending.

"The end result is that you get the same amount every pay cycle, which is fundamentally life-changing when you're trying to make a budget and live your life without knowing knowing how much money you have," Schlossberg says.
Amazon se lance dans le crédit aux PME en Europe - Les Echos. Europe Grèce : les dernières offres sur la table Le président de la Commission européenne, Jean-Claude Juncker, a proposé lundi au Premier ministre grec une solution « de dernière minute », qui a...

The Banks of the Future: An Experience Design Perspective. Why banks should shift their role from payment processors to trusted consumer advisors by focusing on the customer experience It’s official: We are living in the age of the customer. With real-time access to all sorts of information like prices, loan rates, product features and competitors, technology has empowered consumers to be more informed than ever before. As a result, companies that are meeting the needs of these empowered consumers are outpacing, if not replacing the more traditional players in their industries. The more well established and entrenched that industry is, the more drastic the changes and innovation opportunities are. Just look at banking and finance. There are three main trends that make it critical for the customer experience to drive innovation in the banking industry: 1.The effect of good customer experience on loyalty and profitability 2. Customer Experience —> Loyalty—-> Profitability In the age of the customer, customer experience is king.

Il s’agit d’un outil très simple, entièrement consacré aux contacts et aux échanges des clients avec leur banque. Qu’ils aient juste une urgence à traiter ou qu’ils souhaitent ne plus jamais se rendre en agence, les particuliers comme les professionnels disposent ainsi, dans leur poche, d’un accès direct et universel à tous leurs interlocuteurs. Les options offertes sont riches.
Designing Effective Experiences for Financial Services. In my last article, I talked about some of the reasons people have difficulty making good financial decisions. UX professionals who work in the financial services domain know it’s a challenge to design for successful financial decision-making on the part of their users. Traditionally, these challenges have been addressed by trying to improve the presentation and delivery of information—by trying to help people better understand their options and the risks of not saving; by helping them learn to become better investors and savers.

But as I mentioned in my first article, this approach has not offered the kind of breakthrough success rates that are needed. In that article, I outlined a number of reasons that make it difficult for people to give up money they could spend today in order to save it for the future:
Mobile banking growth drives reduction in banks' physical presence - Mobile Commerce Daily - Banking. Is mobile the kiss of death for physical banks? As mobile banking is gaining traction, traditional banks are struggling to adapt to the new reality where physical in-store interactions are no longer the status quo. With Barclay’s reportedly laying off 1,700 of its retail employees in response to the rise in mobile banking, the traditional teller may be nearing extinction.

However, some analysts believe that branches and tellers will remain an important part of banking but their roles must be redefined to support more complex financial decisions as opposed to simple transactions, which can now take place online.
“opening our APIs, opening our data, opening our walls indeed"
"My ambition is to place Orange at the center of an ecosystem with the network at its spinal and source of inspiration. I bet that by bringing together the strength of Orange and the richness of our partners by opening our networks and our 230 million clients in our 30 countries we can be even stronger and contribute even more innovative services.

This openness has to allow third-party services to access our networks, our building and localization and security services, and also to work together with our own services.
Social Media Maturity and Banking Industry. E-banking.